sixfour, $20 is not too much, if you want to send $6000, $60 to Send $6000 is too much. And by rate, i meant exchange rate as quoted by Nepal Bank. Even Moneygram exchange rate is higher than Western union to be precise. And Yes I've used both before, and I'm aware of the process.
Thank You for your reponse.

raj.pkr I'll send you my email